Your insurance policy is an agreement between yourself and your insurance company. There is usually a lifetime maximum per person. How you decide to finance your orthodontic treatment is your decision and does not affect how your insurance company will reimburse you. Most insurance companies will only reimburse you for services rendered as they occur. In orthodontics, this means up to one-third of the total cost when treatment starts and each following month, an equal portion of the remainder for the estimated duration of treatment until the maximum has been reached.
Orthodontic insurance is separate from medical and dental. If you have dental insurance, most likely you have orthodontic benefits. Orthodontic benefits are separate from your normal dental insurance with your dentist. Orthodontic benefits are paid over the course of the treatment for the patient, and normally have a lifetime maximum or co-pay per patient.